Wonke umuntu uyavuma ukuthi umsebenzi oyinhloko wehhovisi lezokwelapha ukhathalela iziguli zayo, kodwa, ukuze uhlale usebenza futhi uthuthuke, ihhovisi kufanele liqoqe ukukhokhelwa kwezinsizakalo ezinikeziwe. Ukwenza ikhodi, ukukhokha kanye nokuqoqa yingxenye ebalulekile yemisebenzi yabasebenzi bezokwelapha kanye nokuqeqeshwa okufanele kanye nemihlahlandlela kubalulekile ekuqedeni le misebenzi ngokuphumelelayo.
Umnyango wokukhokha usebenza eduze nabasebenzi bekhodi ehhovisi likadokotela. Kwezinye izimo, umuntu ofanayo wenza imisebenzi yokukhokha, yokukhokha nokuqoqa kodwa lezi zikhundla ezintathu ezihlukile. Ngenkathi ezinye zezici zomsebenzi ngamunye zihlangana nabanye, nazo zinemithwalo yemfanelo ecacile.
Ukwenza ikhodi kuyasiza ngempela inqubo yokukhokha ngokuletha ukufaniswa ngezinqubo ngokusebenzisa amakhodi aqaphelayo. Ukusebenzisa amakhodi okuxilongwa okujwayelekile nezinqubo zamakhodi ezibonwa yizinkampani zomshuwalense, yonke imikhuba yezokwelapha, kanye nama-ejensi ahlobene nokunakekelwa okufanele, i-coder yezokwelapha izoqinisekisa ukuthi izinkampani zomshuwalense noma "umkhokheli wezebhizinisi" noma amaCenter for Medicare and Medicaid (CMS) bazobona into ekhokhelwe futhi ukuthi ukuxilongwa kuqinisekisa kanjani inqubo , ukuhlolwa, noma ukwelashwa.
Inqubo yokukhokha iqala ngokufaka isiguli. Kubalulekile ukuthola yonke imininingwane yomshuwalense ngaphambi kokuba isiguli sibone uma kungenzeka ukuze bonke abaphakathi baqonde ukuthi ukuvakashelwa ngayinye kanye nenqubo kuzodinga yini isiguli esikhwameni.
Ukumangala okumbalwa iziguli zakho ziphathelene nokukhokha kwezinsizakalo ezinikeziwe, wonke umuntu ojabule uyoba. Lapho isiguli sifika futhi sinikela ngolwazi lomshuwalense kubalulekile ukuthi ulwazi olunikeziwe luqinisekisiwe nenkampani yomshuwalense njengoba isebenzayo, izinzuzo ezivunyelwe, nokuthi umhlinzeki okwamanje unenkontileka nalowo mkhokheli oqondile.
Amawebhusayithi anemininingwane engalungile, izinkontileka ziphelile futhi izinzuzo zishintsha ukuze kuqinisekiswe ukuthi idatha ibaluleke kakhulu.
Ukuze ugcine isikhathi, inzuzo, nokwehliswa kwempahla, inqubo ngayinye engaphandle kwendawo evamile yokuhambela ihhovisi kumele ivumeleke kusengaphambili, noma esikhathini esithile semingcele ethile yomshuwalense. Noma yiziphi izinkokhelo ezifanele ezivela esigulini kufanele zixoxwe futhi ziqoqwe ngaphambi kwenqubo, ukuhlolwa, ukwelashwa, noma ukwelashwa. Ama-copay kufanele ahlale ekhokhwa ngaphambi kokuba isiguli sibone nodokotela, ukuze ugweme noma yiziphi izinkinga kamuva.
Amaqoqo amanani adingekayo adlule yindlela engcono kakhulu yokubuyiselwa. Uma isikhathi eside sesibhilidi sidlulile, cishe kungenzeka ukuthi iqoqwe futhi imali eyengeziwe idinga ihhovisi ngesikhathi nesikhathi sokukhokhela. Lesi yisizathu esihle kunazo zonke sokuba nabasebenzi bekhodi kanye nabakhokhisi ehhovisi lakho lezokwelapha.
Isimangalo esiphikisiwe ngumkhokheli wezebhizinisi yisizathu esithile sokuthi ibhilikhithi lingakhokhiwe ngesikhathi. Uma bobabili isiguli kanye nabasebenzi bebenzile ngokuzikhandla ngaphambili, lokhu akuncane kakhulu, kodwa kwenzeka. Isikhalazo ngabasebenzi nganoma yikuphi ukucaciswa noma izincazelo kungadingeka. Isikhalazo isiguli yisinye isisombululo esingakhona, kodwa isiguli kumele senziwe ukuthi sinokuthi bazoba nesibopho sanoma yiziphi izilinganiso ezivelele.
Nakuba isivumelwano sokukhokha ngokuvamile sesinye seziyalo zokuqala zebhizinisi lapho ugcwalisa iphepha lokufaka iziguli, kungenzeka ukuthi isiguli asizange sifunde idokhumenti ngokucophelela. Ngezinye izikhathi isiguli sasingazizwa kahle ngaleso sikhathi futhi asizange sinakekele idokhumenti, noma nje silindele ukuthi iningi noma zonke izikweletu zabo zikhokhwe yizinkampani zomshuwalense. Ukuxoxa ngemithwalo yemali ngaphambi kokuba kube nenkinga kuyindlela ephumelelayo kakhulu yokusebenza ukuze ugweme noma yikuphi ukuhlangana okungakhululekile futhi okungokomzwelo.
Ukwenza ikhodi, ukukhokhisa, nokuqoqa kubalulekile esikhungweni sezokwelapha esiphuthumayo kungakhathaliseki ukuthi usayizi noma ubuchwepheshe.
Ukuqeqeshwa okufanele, imfundo eqhubekayo, kanye nokufundiswa kwezinguquko zamanje emithethweni, emakhodi, noma emshuwalense kuyadingeka. Kuze kube yimanje izinto zokwakha kanye nezinto zokusebenza zivumela labo basebenzi ukuthi babe nomthelela omuhle kuzo zonke iziguli kanye nehhovisi lezokwelapha.